Free 3rd Party Insurance with Road Tax
Discussion
Surely this is the sensible thing to do. No more uninsured drivers, would get youth and poorer people back on the roads so more chance to get a job and earn money, no being pulled by the cops because the MID isn't up to date, plus lots of other benefits no doubt. I'm sure they do this in some other countries so why not here. Obviously there would be restrictions for young/new drivers on what cars they could drive 3rd party only but I honestly can't think of any downsides to this.
Fox- said:
As if it would be 'free'.
No thanks - this only benefits people who have to pay thousands for insurance. Those of us who pay far far less would see average cost rise, surely.
On the other hand, you have better earning abilities than young people who are lucky if they get minimum wage with a degree these days.No thanks - this only benefits people who have to pay thousands for insurance. Those of us who pay far far less would see average cost rise, surely.
crostonian said:
Surely this is the sensible thing to do. No more uninsured drivers, would get youth and poorer people back on the roads so more chance to get a job and earn money, no being pulled by the cops because the MID isn't up to date, plus lots of other benefits no doubt. I'm sure they do this in some other countries so why not here. Obviously there would be restrictions for young/new drivers on what cars they could drive 3rd party only but I honestly can't think of any downsides to this.
But how much would the tax be would points accidents come in to the price of the tax it would just mean everyone who pays full price on there own insurance would pay one way or another. If one of the 3rd party tax drives ran in to me and say the claim came to 1000 pound would his tax go up the next year ?.
Devil2575 said:
Raize said:
On the other hand, you have better earning abilities than young people who are lucky if they get minimum wage with a degree these days.
Only if they did the wrong degree 
To some extent the New Zealand system.
You can't sue in NZ for injuries, all medical stuff everyone is covered with levies on employment, tax on fuel, charges for using the road (diesel vehicles) etc etc.
Hence car insurance only covers the hardware, and it's not compulsory.
If an uninsured person hits your insured car, you will get paid out and the insurance company tries to get the money out of the other person.
I have to say I find the system better than the UK, - with a decent car get insurance - with some old banger just make sure you don't hit anything expensive, and never any risk of driving uninsured.
You can't sue in NZ for injuries, all medical stuff everyone is covered with levies on employment, tax on fuel, charges for using the road (diesel vehicles) etc etc.
Hence car insurance only covers the hardware, and it's not compulsory.
If an uninsured person hits your insured car, you will get paid out and the insurance company tries to get the money out of the other person.
I have to say I find the system better than the UK, - with a decent car get insurance - with some old banger just make sure you don't hit anything expensive, and never any risk of driving uninsured.
Having now reached an age where my insurance is cheaper and having got two sons on the road and into their twenties without incident, I really don't want to start subsidising insurance costs for anyone else.
If this compulsory 3rd party insurance does have to come along I'd rather it came out of fuel costs than VED - at least then the risk is partially loaded onto those who USE their car more (disregarding fuel economy) instead of being a flat tax on OWNERSHIP which poses little risk to anyone else and would attract another premium if you wanted to insure your own risk.
If this compulsory 3rd party insurance does have to come along I'd rather it came out of fuel costs than VED - at least then the risk is partially loaded onto those who USE their car more (disregarding fuel economy) instead of being a flat tax on OWNERSHIP which poses little risk to anyone else and would attract another premium if you wanted to insure your own risk.
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